64503 Property Tax Rate
Saint Joseph, Missouri · Part of Buchanan County
Effective Tax Rate
0.76%
26% below state avgMedian Annual Tax
$1,018
$85/mo escrow
Estimate Your Tax
Annual Tax
$1,018
Monthly
$85
Eff. Rate
0.76%
Buyer decision brief
What ZIP 64503 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$85/mo
Based on median annual tax paid
State context
0.02 percentage points below the Missouri average
Missouri average: 0.78%
Data confidence
High confidenceThe Census margin of error is $94, about 9% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Buchanan County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 64503 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$94 tax MOE, 9% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Buchanan County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 64503
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $133,500, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.76%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Missouri and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $85 per month before insurance, HOA dues, or special assessments.
Assessor verification
Buchanan County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 64503 Compares
Median Annual Property Tax
ZIP 64503
0.76%
Effective rate
Missouri Avg
0.78%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Missouri
Higher than 54% of ZIP codes in Missouri(54th percentile, 915 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 64503
Property owners in ZIP code 64503 (Saint Joseph, Missouri) pay a median of $1,018/year in property taxes on homes valued at $133,500. This translates to an effective tax rate of 0.76%, which is near the Missouri state average of 0.78%.
The monthly property tax burden for a median-valued home in 64503 is approximately $85, which factors into escrow payments on mortgages. This ZIP code is located within Buchanan County. This is $358 less than the Missouri average of $1,376/year.
Compared to similar ZIP codes in Missouri, 64503 has higher property taxes. ZIP codes with similar effective rates include 65803 (0.76%) and 63060 (0.76%).
In Saint Joseph, property taxes represent approximately 1.9% of the median household income of $53,351, providing context for the relative tax burden on homeowners in this area.
Missouri reassesses property to market value at sale with no statewide cap on tax increases, so your assessed value will reflect your purchase price rather than any lower prior valuation. Buchanan County provides a Homestead Property Tax Exemption for primary residences that reduces taxable assessed value — contact the Buchanan County Assessor's Office to file your exemption claim and determine the amount of tax savings available. File your homestead exemption application with the Buchanan County Assessor within the required timeframe after closing to lock in this tax benefit.
Frequently Asked Questions
What is the property tax rate in ZIP code 64503?
How much are property taxes in Saint Joseph, MO (64503)?
How does ZIP 64503 compare to the Missouri average?
What is the median home value in ZIP 64503?
What county is ZIP code 64503 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$94. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 64503 is part of Buchanan County, Missouri. View the full county profile for broader context and more data.
View Buchanan County on TaxByCounty →Explore Saint Joseph, MO
View all 6 ZIP codes in Saint Joseph with property tax comparisons.
View Saint Joseph Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 64503
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
64505
Saint Joseph, MO
0.00 percentage points lower than ZIP 64503.
Rate
0.76%
Tax
$1,412
Quality
94
64443
Easton, MO
0.19 percentage points lower than ZIP 64503.
Rate
0.57%
Tax
$1,813
Quality
89
64401
Agency, MO
0.10 percentage points lower than ZIP 64503.
Rate
0.66%
Tax
$1,597
Quality
89
64448
Faucett, MO
0.07 percentage points lower than ZIP 64503.
Rate
0.70%
Tax
$1,382
Quality
84
64440
De Kalb, MO
0.06 percentage points lower than ZIP 64503.
Rate
0.71%
Tax
$1,356
Quality
84
64484
Rushville, MO
0.02 percentage points lower than ZIP 64503.
Rate
0.75%
Tax
$922
Quality
84
63124
Saint Louis, MO
$833,800 higher median home value than ZIP 64503.
Rate
1.03%
Tax
$10,001
Quality
82
63073
Saint Albans, MO
0.02 percentage points lower than ZIP 64503.
Rate
0.74%
Tax
$5,982
Quality
69
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.